Timebuilder Smooth Terry , very smooth , didn't miss your little dig that those who own ETFs are somehow lazy and not prepared to do the work to manage their portfolios.For your information , not everyone on SH has a 10 million portfolio and receives 49 grand a month and spends their life every hour of every day monitoring their holdings.Many have a life , put kids thru school and they do show a daily interest in how what they own are doing , it's why l am a SH member ,EH . In my case with a portfolio of only a paltry 250 k the reason for the use of ETFs , all sector specific was to diversify rather than try to hold 50 or more stocks in your version of a self directed Mutual Fund. Who to pick with what new money available each month , not your number , but pick a sector that l think may move today not tomorrow. And it's why other than 2 stocks that you also own CHE and DBM , I consolidated into 6 entities in sectors l like as of today.In conclusion l find your remarks and as l said subtle very subtle digs , Snide , Smug and a show of haughty entitlement , that you equate success in investing solely on a portfolio over and above 7 digits .It's why l knew for certain your supposed interest in FTN was nothing but smoke blowing out of somewhere , just to get Red to opine. Go back to your hundreds of posts that today is PAYDAY as if every other owner of any stocks , just doesn't have a clue.